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For almost 30 years, John Chhan and his wife, Stella, ran the doughnut shop in Seal Beach, California, a constant, reassuring part of countless customers' lives. But now the hard-working couple is facing a medical crisis, and their patrons are returning the sweetness.Since Stella suffered a brain aneurysm last month, John has longed to spend as much time as he can with her."She's in a nursing home," Chhan said. " My sister-in-law is here helping me."With a business to run and bills to pay, the doughnuts still have to roll. Chhan thought he would have to spend most of his time working at the doughnut shop -- away from his wife. 642

Federal student loan borrowers haven’t had to make payments since March. But without continued government intervention, those unable to pay can expect long waits for help come October when bills are scheduled to restart.Automatic, interest-free forbearance provided by the first coronavirus relief package was not extended by the Health, Economic Assistance, Liability Protection and Schools Act proposed by Senate Republicans. There’s no additional relief for student loan borrowers in the proposal.While that legislation could still change, your best safeguard if your job or finances are shaky is to act now.“It’s a disaster waiting to happen,” says Seth Frotman, executive director of the Student Borrower Protection Center, a Washington, D.C.-based nonprofit.Restarting payments for tens of millions of student loan borrowers will likely lead to delinquencies and defaults, says Frotman. And there’s precedent for his assertion: Data from the Education Department in 2019 shows defaults increased when forbearances expired after natural disasters.On top of that, the number of borrowers affected by the pandemic dwarfs any previous challenge for student loan servicers.The servicing system was “never meant to handle high volatility moments; it was built to handle servicing on a normal cycle,” says Scott Buchanan, executive director of Student Loan Servicer Alliance, a nonprofit trade association representing student loan servicers. Buchanan urges borrowers to contact their servicers today for guidance.You don’t have to wait for congressional approval to take control. If you don’t think you can handle your monthly payments, an income-driven repayment plan is your best option to avoid default. Here’s why you should enroll now and what your other choices are.Opt for income-driven repaymentFederal loan borrowers can — and should — apply now for income-driven repayment. Each of the four plans available will cap payments at a percentage of your income and extend repayment to 20 or 25 years, with any remaining balance forgiven at the end.The most broadly available plan, Revised Pay As You Earn, or REPAYE, caps payments at 10% of discretionary income. If you have no income, or your income is at or below the poverty line, your payments would be zero.It’s vital to enroll as soon as possible. Many student loan borrowers who are out of work may apply for income-driven repayment all at once, which is likely to overwhelm the servicers. You’re more likely to get your application approved sooner if you apply now.“This is the moment for you to reach out and call us so we can talk specifically about your situation,” says Buchanan.He adds that servicers are planning outreach to borrowers in the coming weeks. In the meantime, they’re internally discussing increased staffing to meet an influx of demand from student loan borrowers.Recertify your existing income-driven repayment planFederal loan borrowers already enrolled in income-driven repayment must recertify their income each year or revert to a standard repayment plan.If you’ve had a change in income, now is a good time to update the amount with your servicer. Recertification will make sure your payments are updated and affordable.The fastest way to recertify your plan is at studentaid.gov, but a paper form is also available.Request another payment pause — this time with interestYour alternate option is to pause payments through forbearance or an unemployment deferment. Neither is quite like the payment pause you currently have — you have to request it, and interest will likely accrue during the entire pause and increase the total you owe. To prevent this, you can ask to make interest-only payments during these periods.An unemployment deferment allows you to postpone repayment for up to 36 months. You must be receiving unemployment benefits or working part time while seeking full-time work. Only apply for an unemployment deferment if you know you’ll be out of work for a short period of time and if you can prove you have looked for a job at least six times within the last six months. Otherwise, an income-driven repayment plan is the way to go. Interest won’t accrue on subsidized loans during an unemployment deferment.A forbearance is a last-ditch effort to avoid student loan default, which could lead to your wages being garnished or your tax refund being seized. Interest will accrue on all your loans and be added to your balance at the end. Only use forbearance if you can’t pay your loans, you plan to restart repayment soon and you won’t qualify for an unemployment deferment. You can request a forbearance with your servicer.Ask your private lender about hardship optionsPrivate student loan borrowers were left out of the original Coronavirus Aid, Relief, and Economic Security Act as well as the HEALS Act.But private lenders usually offer student loan forbearance or can temporarily lower your payments, though these options are far less generous than federal ones. Private lenders are also making relief options available temporarily to borrowers facing financial challenges. Options like additional temporary forbearance periods won’t count against existing limits.More From NerdWalletHow to Get Student Loan Relief During the Coronavirus and BeyondEmergency Financial Aid for College Students: What Are Your Options?Don’t Fall for COVID-19 Student Loan Relief ScamsAnna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. 5475

For most of his career, Louis C.K. has been known as one of the most self-deprecating comics in the business.So it should not have been a total shock when the comedian released a lengthy statement of apology Friday following the New York Times story published a day before that included sexual misconduct allegations from five women.Louis C.K. did what many celebs have not, however, by admitting guilt."These stories are true," Louis C.K. said in his statement.Compared to Harvey Weinstein, who denied rape and other accusations, and Kevin Spacey, who apologized but claimed he doesn't remember assaulting actor Anthony Rapp, Louis C.K.'s mea culpa is considered by some as a step in the right direction.Still, the reaction to his admission, and his contention that he's "remorseful," has been decidedly mixed.While some found it admirable that Louis C.K. fully copped to his offenses, others took to social media to say that his statement in no way negates what he did.Some pointed out that the apology came after the revelations were made public, and Louis C.K. had lost a distribution deal for his movie, a forthcoming stand-up special with Netflix and his content was removed from HBO streaming services.For years, there was chatter about Louis C.K.'s inappropriate behavior toward women.As recently as September, the comic denied the charges to the New York Times, stating that they were "rumors."And some noted that C.K., while apologetic, didn't actually say "I'm sorry" to the women. Nowhere in his nearly 500-word statement were there the words "sorry," "apology" or "apologize."The one thing that many people think is a good thing: The comic says that while he has spent most of his career "talking and saying anything I want" he "will now step back and take a long time to listen." 1801

Former prisoners are helping former prisoners break in to college courses.  The Urban Scholars Union is a relatively new organization created by ex-cons for ex-cons looking to better themselves through education. USU’s President Cesar Garcia said they started 18 months ago at San Diego City College to help “justice impacted” students succeed. “[We want to] empower them and motivate them to be productive members of society,” said Garcia. “We’re not monsters that they make us out to feel and make us out to be,” said San Diego City College student Ryan Rising. “We’re humans that made poor choices.” Rising spent 15 years behind bars for carjacking and attempted extortion but will matriculate to Cal Berkley on a scholarship after earning his Associate’s at City.“I’m super proud of myself,” he said. Garcia, who served seven years for a list of crimes, said the USU provides a space for former prisoners to get help, guidance, and support. The organization recently expanded to Southwestern College and is working on helping students at Mesa and Grossmont Colleges. USU also recently received its largest donation to date.  Current prisoners at Donovan Correctional in Otay Mesa donated ,000 to USU for scholarships and grants for former prisoners. “It just goes to show you how we do look out for each other,” said Garcia. “We just need go out and advocate to erase all these stigmas,” said Rising. 1470

Five days after a gunman slaughtered 10 people at a Texas high school, teachers are returning Wednesday to the site of the massacre.Santa Fe High School teachers and staff are returning "to support each other and prepare for our students' return," said Leigh Wall, superintendent of the Santa Fe Independent School District.Students will return next Tuesday, Wall said. They'll have access to "counseling assistance from many state and local agencies" and will see additional law enforcement officers on campus, the superintendent said. 544